FHA VS Conventional loan in Phelps, Ontario County, New York
In 2026, the conventional loan limit for a single-family home in Phelps, county of Ontario, NY, is $726,200, while the FHA limit is $472,030.
Use the Lendersa® Conventional loan calculator to evaluate and compare today's best rates for Conventional, FHA, and USDA loans. Determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, see Conforming Conventional loans alongside USDA, FHA, and VA options, helping you to choose the right program in NY for your financial needs.
2026 Loan Limits and Down Payment Requirements in Phelps, Ontario, NY
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$336,500
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 14532
Available Conventional and FHA Loan Options in Phelps, NY
At Lendersa®, our goal is to secure the best possible Conventional, USDA, or FHA loans quickly and without hassle. Choose from three starting options to find matching lenders and loan programs.
People You Know. Service You Trust. We are dedicated to providing you with loan and deposit products designed with your needs in mind. We're open to the community! If you live, work, worship, volunteer, or attend school in Ontario, Seneca, or Yates County, or if you are a member of an immediate family or household of those within the field of mem
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